Encompass vs. Safety: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Safety offers significantly more affordable premiums than Encompass
• Encompass may help you save more money -- they offer more discounts than Safety Insurance
• Safety offers less expensive average rates for policyholders who drive a short distance to work everyday

Encompass or Safety: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Encompass or Safety, but which carrier will offer you cheaper premiums?

Looking at nationwide averages, Safety is quite a bit cheaper than Encompass, with prices averaging $217 a month compared to $466 with Encompass.

But Safety may not be the lowest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

So, if you want to find out which of Encompass or Safety is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Encompass vs. Safety: Average Car Insurance Rates by State

Encompass and Safety only compete against each other in one states, with Encompass offering more affordable prices to the average driver in all of them. New Hampshire has the most noticable difference, where Encompass rates are $45 less expensive than car insurance prices at Safety.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of over 65% less per month by choosing Safety over Encompass. It's worth noting that Encompass offers auto insurance in 31 different states compared to Safety's two, which can skew the average prices a bit, but the difference here is still considerable.

Even so, both carriers will decrease rates by the time drivers turn 25. Safety offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Encompass's average premiums lower more than 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable insurance rates out there. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise premiums.

When looking at Encompass and Safety specifically, which company is best for retired drivers? Safety gets the edge, with prices for drivers 65 and older over 50% cheaper than the national average for Encompass.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be less expensive for married policyholders than they are for single drivers. That's because policies for married couples usually cover several vehicles, which many companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with Safety rates coming in at around half of Encompass's. The advantage for married drivers with Safety is also obvious, where drivers save almost 45% a month.

Encompass or Safety: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

On average, women see premiums about 5% per month less with Encompass, and around 5% less with Safety when compared to their male counterparts.

Looking at overall affordability, Safety comes out as the cheapest option for both genders, with average prices 53% less for men and 53% cheaper for women.

Encompass vs. Safety: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Safety has the significant edge, with average monthly rates coming in at $122. If you want a full coverage policy with the same state minimum limits, Safety again has the edge, with policies averaging about $313 a month to Encompass's $629.

Is Encompass or Safety Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that accidents and speeding tickets lead to higher prices, but which carrier -- Encompass or Safety -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Encompass for their insurance can typically expect their monthly bill to go up around 21% after getting a speeding ticket. Safety policyholders can expect a bit more drastic of an increase of about 32%.

However, Safety has more affordable rates for drivers in both categories, offering prices that are $98 and $98 cheaper, respectively, compared to Encompass Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with Encompass raising by around 31%. Safety has a less extreme raise, but you can still expect to pay nearly 45% more than you were prior to your first accident.

At the end of the day, Safety offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $226 compared to Encompass Insurance's $328.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Encompass increases average premiums by more than $500 per month -- that's just under a 80% increase.

Safety has the overall cheapest rates for drivers with a DUI on their records at $324 monthly, but it's worth noting that Encompass's average rates come from 31 states compared to just two for Safety, so the data may be skewed slightly.

How does Credit Score Impact Encompass and Safety Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for several drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

So, which company offers the most affordable rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Safety will usually reward you the most. For policyholders with "excellent" credit scores, Safety comes in nearly 59.43 less expensive. Drivers with "good" credit scores generally save about 62% with Safety compared to average premiums from Encompass.

Which Company is Best for Drivers with Bad Credit?

Safety typically offers lower prices than Encompass when it comes to drivers with bad credit. Drivers with "fair" credit pay around 60% a month less with Safety compared to Encompass, and those with "poor" scores typically save an average of about 60% a month.

Is Encompass or Safety Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Usually, the more milage you put on your car, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Safety tends to be the cheaper option. Safety's average rates for drivers with 6,000 annual miles come in around $249 more affordable than Encompass. Those who drive 12,000 miles every year can expect to pay about $248 less with Safety over Encompass.

Encompass or Safety: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a big role in how much you pay for car insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Safety tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Safety Insurance's average rates are around $278 less than Encompass Insurance. People who live in suburban areas pay about $213 less with Safety compared to Encompass. Those in rural areas can expect to save around $256 with Safety compared to Encompass.

Encompass vs. Safety Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Encompass and Safety so that you can find the one that has the most discounts and, therefore, the largest savings.

Encompass blows Safety away when it comes to the sheer amount of discounts available, offering 26 different discounts to Safety's 18.

Both carriers offer lots of the same discounts -- like anti-theft discounts, discounts for getting driver training, employee discounts, and group discounts -- but Encompass also offers discounts for ABS, defensive driver, DRL, and more.

On the other hand, Safety has a few proprietary discounts of their own for things like annual mileage discounts, book transfer policy discounts, e-signature discounts, and more.

Final Thoughts: Is Encompass or Safety Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, is Encompass or Safety the best company for you and your specific profile and needs?

Safety might be best for you if....

• You live in one of the following states: Massachusetts and New Hampshire.
• Your neighborhood is in the suburbs.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Encompass might be best for you if...

• You are considering moving to another state -- Safety Insurance is only available to Massachusetts and New Hampshire residents.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Encompass and Safety and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple carriers, not just Encompass and Safety. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Encompass vs. Safety FAQs

Is Encompass or Safety cheaper?

Safety is the cheaper of the two carriers when looking at national average rates, with policies averaging $217 per month with Safety and $466 for Encompass. That being said, that doesn't mean Safety will be the most affordable company for everyone, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Encompass or Safety?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for each policyholder -- it all boils down to your unique auto insurance profile.

Why do Encompass and Safety offer me different rates?

Insurance companies use quite a few different variables when calculating the premiums they charge. Things like your driving record, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Encompass and Safety calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Encompass or Safety is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Encompass or Safety at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.